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Far too many people underestimate the importance of their Credit Rating. It is a key tool in life and maintaining your credit score can bring about significant benefits to you in sourcing any form of credit from an Energy Account, Mobile Phone, Credit Card and all the way to Mortgages. A strong credit score will allow you to access higher levels of credit at much better rates.
Bell & Company will advise of the full ramifications of the process you take will have on your credit file. That is why our advisors typically ask for your credit file when we meet for our free initial consultation, it is key we hav all of the information so the team can paint the full picture for you.
Some advice we hear clients given regarding their credit rating is appalling. Many advise to simply stop payments – this can damage your credit rating massively and should you default will cause you 5-6 years of difficulty. Make sure you get the correct advice by calling Bell & company and attending a free initial consultation.
In answering the title, it depends! Through the negative equity resolution process your credit score can be maintained depending on your circumstances and the lender processes involved. Some lenders however will require missed payments and this can cause damage to your credit file. Once again, if you provide us with the full information from the outsets we can offer advices as to the impact on your credit score.
To discuss your case with us please call 02895 217373 to arrange your free initial consultation at a time and place to suit you. We look forward to assisting you.